Bank · FDIC insured
Blue Ridge Bank and Trust Co. Savings Rates
Blue Ridge Bank and Trust Co.’s best savings rate is 0.40% APY on $10,000, with its Regular Money Market. Rates checked October 16, 2026.
How Blue Ridge Bank and Trust Co.’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Blue Ridge Bank and Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Blue Ridge Bank and Trust Co.
2.06%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $206
Maximum Yield (MY) Savings Account
Top rate
Truity Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Blue Ridge Bank and Trust Co. savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified2.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Blue Ridge Bank and Trust Co. ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Maximum Yield (MY) Savings Account
Up to 2.06%APY
Requires a MY Checking account and meeting monthly qualifications: 12 or more debit or credit MasterCard POS purchases per monthly cycle, 1 ACH direct deposit or payment set up, active email account, registration for electronic statements, online banking registration, and applying for a free Blue Ridge Bank debit MasterCard. Paper statements available for a $5 monthly fee. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. $25 fee if closed within 180 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met in MY Checking. | 2.06% | $206 | Qualifications met in MY Checking. |
| Over $0Qualifications not met in MY Checking. | 0.10% | $10 | Qualifications not met in MY Checking. |
| Over $25,000Qualifications met in MY Checking; applied to portion of balance $25,000.01 and up. | 0.20% | — | Qualifications met in MY Checking; applied to portion of balance $25,000.01 and up. |
Sources (3)
- blueridgebank.com/personal/consumer-rates
- blueridgebank.com/personal/my-checking-and-savings
- blueridgebank.com/personal/personal-savings
All captured Oct 5, 2026
Maximum Yield Money Market
Up to 1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 – $40,000 | 0.55% | — |
| $40,000 – $85,000 | 0.65% | — |
| $85,000 and up | 1.00% | — |
Sources (1)
- blueridgebank.com/personal/consumer-rates · captured Sep 17, 2026
Regular Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $15,000 | 0.40% | $40 |
| $15,000 – $50,000 | 0.50% | — |
| $50,000 and up | 0.75% | — |
Sources (1)
- blueridgebank.com/personal/consumer-rates · captured Sep 17, 2026
Savings Account
0.20%APY
Also referred to as Regular Savings. $3 monthly fee if balance falls below $100. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. Interest credited semi-annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$3 monthly fee waived if balance stays at or above $100.$100 and up | 0.20% | $20 | $3 monthly fee waived if balance stays at or above $100. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
My First Million Savings
0.20%APY
Exclusively for children age 12 or younger (ages 0-12). Allows 6 transfers per monthly statement cycle; to avoid fees, withdrawals are limited to 3 per month ($1 fee per withdrawal in excess of 3 per month). Monthly $3 dormant fee if inactive for two years and balance falls below $100. Interest credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Sources (2)
All captured Oct 5, 2026
Student Savings
0.20%APY
Ideal for ages 13 and over. All account holders 17 years and younger require a parent or legal guardian on the account who must sign a minor deposit guaranty form. Allows 6 transfers per monthly statement cycle; withdrawals limited to 3 per month to avoid fees ($1 fee for each withdrawal in excess of 3 per month). Interest credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.